There has been a lot of buzz in the US lately about travel insurance. What exactly is travel insurance? What does travel insurance cover? Isn’t getting travel Insurance just like getting an extended warranty, paying hard cash for something you will probably never need? Money you would rather spend on your actual vacation?

The other way to look at it is that when you go to another country and go into a travel agency, you can always find a travel insurance brochure. It is the norm in many other countries that paying for vacation goes hand in hand with purchasing travel insurance to protect you if something happens.

People spend lots of time planning and money for their trips. Traveling is how most people all over the world spend vacations and relax. By purchasing travel insurance, you have peace of mind and are insured that if something unexpected happens, your trip doesn’t have to be a complete bust. We pay insurance for a lot of things that are big investments, why should your vacation be any different?

The best known travel insurer in the business is Travel Guard International.

It has a pretty comprehensive policy which insures against a wide range of travel mishaps and losses, like coverage for medical expenses, trip cancellation/interruption, baggage damage or late delivery, financial default of the airline, cruiseline or tour operator. Plus, with every travel insurance plan they offer you receive 24-hour travel assistance. The premiums average $100 per person for protection up to a thousand dollars per person, $15 per person for protection up to $1,500, $200 for protection up to $2,000, $300 for protection up to $2,500, and so on (rates really vary depending on the kind of coverage you want). The costs described here are very standard amongst other travel insurance companies.

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